The termREALTOR®hasone, and only one,meaning:REALTOR®isa federally registered collective membership mark which identifies areal estateprofessional whoismember of the NATIONAL ASSOCIATION OFREALTORS® and subscribes to its strict Code of Ethics.

The termREALTOR®hasone, and only one,meaning:REALTOR®isa federally registered collective membership mark which identifies areal estateprofessional whoismember of the NATIONAL ASSOCIATION OFREALTORS® and subscribes to its strict Code of Ethics.

Sales of existing homes declined in September to their lowest level in nearly three years, and inventory levels rose for the second month in a row on a year-over-year basis. National Association of REALTORS® Chief Economist Lawrence Yun discusses the data in this video

Sales of existing homes declined in September to their lowest level in nearly three years, and inventory levels rose for the second month in a row on a year-over-year basis. National Association of REALTORS® Chief Economist Lawrence Yun discusses the data in this video

Contact me and I will be happy to connect you with one of our loan officer colleagues.

Do you have a question or comment that needs answering?

Contact me and I will be happy to connect you with one of our loan officer colleagues.

Maxus Realty Group

Broker | ReaL Estate Agent

Office: 301-246-0001

Cell: 240-426-5754

eMail: Fernando@ReallyNiceHomes.com

Maxus Realty Group

Broker | ReaL Estate Agent

Office: 301-246-0001

Cell: 240-426-5754

eMail: Fernando@ReallyNiceHomes.com

In This Issue:

"Considering a Metal Roof?"

Seller Tips " STAGING"

Home Life Tips

Market Reports

Identity Theft

Top Ten Weird Facts About Thanksgiving

Consumer Knowledge Series

"Mortgage Tips"

​

In This Issue:

"Considering a Metal Roof?"

Seller Tips " STAGING"

Home Life Tips

Market Reports

Identity Theft

Top Ten Weird Facts About Thanksgiving

Consumer Knowledge Series

"Mortgage Tips"

​

Hello Dear Friends,

My business is built on referrals, earning your trust and recommendation is the highest compliment you can give me. I'm always available to take the very best care of you, your family and your friends. Please consider me at your service for all your real estate needs.

My business is built on referrals, earning your trust and recommendation is the highest compliment you can give me. I'm always available to take the very best care of you, your family and your friends. Please consider me at your service for all your real estate needs.

2. Secure your mail. Empty you mailbox quickly, lock it or get a P.O. box so criminals don’t have a chance to snatch credit card pitches. Never mail outgoing bill payments and checks from home. They can be stolen from your mailbox and the payee’s name erased with solvents. Mail them from the post office or another secure location.

3. Safeguard your Social Security number. Never carry your card with you, or any other card that may have your number, like a health insurance card. Don’t put your number on your checks. It’s the primary target for identity thieves because it gives them access to your credit report and bank accounts.

2. Secure your mail. Empty you mailbox quickly, lock it or get a P.O. box so criminals don’t have a chance to snatch credit card pitches. Never mail outgoing bill payments and checks from home. They can be stolen from your mailbox and the payee’s name erased with solvents. Mail them from the post office or another secure location.

3. Safeguard your Social Security number. Never carry your card with you, or any other card that may have your number, like a health insurance card. Don’t put your number on your checks. It’s the primary target for identity thieves because it gives them access to your credit report and bank accounts.

5. Never let your credit card out of your sight. Worried about credit card skimming? Always keep an eye on your card or, when that’s not possible, pay with cash.

6. Know who you’re dealing with. Whenever anyone contacts you asking for private identity or financial information, make no response other than to find out who they are, what company they represent and the reason for the call. If you think the request is legitimate, contact the company yourself and confirm what you were told before revealing any of your personal data.

5. Never let your credit card out of your sight. Worried about credit card skimming? Always keep an eye on your card or, when that’s not possible, pay with cash.

6. Know who you’re dealing with. Whenever anyone contacts you asking for private identity or financial information, make no response other than to find out who they are, what company they represent and the reason for the call. If you think the request is legitimate, contact the company yourself and confirm what you were told before revealing any of your personal data.

You’ll need to prove your income by providing tax returns for at least the last two or three years.

Remember, your income supports your mortgage loan, so count on your lender verifying both the amount and the consistency.

If it's not on yoru tax returns, you can't report income from other sources

You’ll need to prove your income by providing tax returns for at least the last two or three years.

Remember, your income supports your mortgage loan, so count on your lender verifying both the amount and the consistency.

If it's not on yoru tax returns, you can't report income from other sources

​

Pay stubs that show your year-to-date income

Two years of tax returns

Two years of W-2 forms

Statements that show your asset accounts, which might include checking, savings, CDs, IRAs, stocks and bonds

Records for any other real estate you own

Your residential history for the past two years

Your landlord’s contact information, if applicable

​

Pay stubs that show your year-to-date income

Two years of tax returns

Two years of W-2 forms

Statements that show your asset accounts, which might include checking, savings, CDs, IRAs, stocks and bonds

Metal roofs can be manufactured from a variety of metals and alloys including steel, aluminum, copper, zinc and terne (zinc-tin alloy).

Style

Metal options come in two general styles: vertical panels and interlocking shingles.

Cost

According to the Metal Roofing Alliance, you can expect your new roof to cost roughly two to three times what an asphalt shingle roof costs.

Installation

When considering a metal roof make sure you hire a contractor who is familiar with the material. One of the advantages of metal is that it's ultra-lightweight.

Maintenance

Good news: Metal roofs are resistant to things like mildew, insects and rot.

​

Materials

Metal roofs can be manufactured from a variety of metals and alloys including steel, aluminum, copper, zinc and terne (zinc-tin alloy).

Style

Metal options come in two general styles: vertical panels and interlocking shingles.

Cost

According to the Metal Roofing Alliance, you can expect your new roof to cost roughly two to three times what an asphalt shingle roof costs.

Installation

When considering a metal roof make sure you hire a contractor who is familiar with the material. One of the advantages of metal is that it's ultra-lightweight.

Maintenance

Good news: Metal roofs are resistant to things like mildew, insects and rot.

​

WATCH VIDEO FOR MORE ADDITIONAL TIPS

WATCH VIDEO FOR MORE ADDITIONAL TIPS

7. Take your name off marketers’ hit lists. In addition to the national Do-Not-Call registry (1-888-382-1222), you can also cut down on junk mail and opt out of credit card solicitations.

8. Be more defensive with personal information.Ask salespeople and other if information such as Social Security or driver’s license number is absolutely necessary. Ask anyone who does require your Social Security number about their privacy policy and that you do not want your information given to anyone else.

9. Monitor your credit report.Obtain and thoroughly review your credit report (check for a free copy at www.Annualcreditreport.com or by calling 877-322-8228) at least once a year to check for suspicious activity. If you find something, alert your card company or the creditor immediately. You may also look into credit protection services, which alerts you any time a change takes place with your credit report.

10. Review your credit cards statements carefully.Make sure you recognize the merchants, locations and purchases listed before paying the bill. If you don’t need or use department-store or bank-issued credit cards, consider closing the accounts.

7. Take your name off marketers’ hit lists. In addition to the national Do-Not-Call registry (1-888-382-1222), you can also cut down on junk mail and opt out of credit card solicitations.

8. Be more defensive with personal information.Ask salespeople and other if information such as Social Security or driver’s license number is absolutely necessary. Ask anyone who does require your Social Security number about their privacy policy and that you do not want your information given to anyone else.

9. Monitor your credit report.Obtain and thoroughly review your credit report (check for a free copy at www.Annualcreditreport.com or by calling 877-322-8228) at least once a year to check for suspicious activity. If you find something, alert your card company or the creditor immediately. You may also look into credit protection services, which alerts you any time a change takes place with your credit report.

10. Review your credit cards statements carefully.Make sure you recognize the merchants, locations and purchases listed before paying the bill. If you don’t need or use department-store or bank-issued credit cards, consider closing the accounts.